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						<h1 class='m-0'>【法律贴士】信用卡逾期多久会被判定为刑事案件？</h1>
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							<span>2019-07-15 10:26:34</span>
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overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; font-size: 15px; line-height: 27px; overflow-wrap: break-word !important;" mpa-from-tpl="t" powered-by="xiumi.us"><section style="margin: 10px 0px 5px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: -8px 0px; padding: 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(237, 108, 0); overflow-wrap: break-word !important;" mpa-from-tpl="t"><p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t">编者按</strong></span></p></section></section><section style="margin: 0px 0px 0px auto; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-right: 2px solid rgb(234, 234, 234); border-top-color: rgb(234, 234, 234); border-bottom: 2px solid rgb(234, 234, 234); border-left-color: rgb(234, 234, 234); width: 12px; height: 12px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"/></section></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">信用卡逾期多久会被判定为刑事案件？什么情况属于“恶意透支”？具体的“数额”又是如何界定的呢？</span><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">据《刑法》第196条规定，<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">恶意透支信用卡，数额较大的</strong>，处五年以下有期徒刑或者拘役，并处二万元以上二十万元以下罚金；数额巨大或者有其他严重情节的，处五年以上十年以下有期徒刑，并处五万元以上五十万元以下罚金；数额特别巨大或者有其他特别严重情节的，处十年以上有期徒刑或者无期徒刑，并处五万元以上五十万元以下罚金或者没收财产。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">那么什么情况属于“恶意透支”？</strong><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">具体的“数额”又是如何界定的呢？</strong></span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">按照法律规定：</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">“恶意透支”</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">是指持卡人以非法占有为目的，超过规定限额或者规定期限透支，经发卡银行两次有效催收后超过三个月仍不归还的行为。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">而数额在五万元以上不满五十万元的，应当认定为</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; overflow-wrap: break-word !important;">“数额较大”</span></strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">；数额在五十万元以上不满五百万元的，应当认定为 “数额巨大”；数额在五百万元以上的，应当认定为 “数额特别巨大”。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">也就是说，如果信用卡欠了五万元以上，并且经过发卡银行</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">两次有效催收</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">之后，</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">超过三个月仍不归还的</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">，就可能会被依法追究刑事责任。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 1em 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(51, 119, 254); border-bottom: 2px solid rgb(51, 119, 254); clear: both; border-top-color: rgb(51, 119, 254); border-left-color: rgb(51, 119, 254); border-right-color: rgb(51, 119, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 3px 10px 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; color: rgb(255, 255, 255); border-top-left-radius: 3px; border-top-right-radius: 3px; height: 28px; background-color: rgb(51, 119, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; overflow-wrap: break-word !important;">附最新司法解释中的规定：</span></section><section style="margin: 0px 0px 0px 2px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; border-top: 28px solid transparent; border-right-color: rgb(51, 119, 254); border-bottom: 0px solid transparent; border-left: 15px solid rgb(51, 119, 254); display: inline-block; vertical-align: top; overflow-wrap: break-word !important;" mpa-from-tpl="t"></section></section></section></section></section></section></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(88, 88, 88); font-size: 14px; overflow-wrap: break-word !important;">法释〔2018〕19号</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">最高人民法院最高人民检察院</strong></span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">关于修改《关于办理妨害信用卡管理</strong><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">刑</strong></span><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(88, 88, 88); font-size: 15px; letter-spacing: 0.544px; overflow-wrap: break-word !important;">事案件、</strong></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(88, 88, 88); font-size: 15px; letter-spacing: 0.544px; overflow-wrap: break-word !important;">具体应用法律若干问题的解释》</strong><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(88, 88, 88); font-size: 15px; overflow-wrap: break-word !important;">的决定</strong></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">（2018年7月30日由最高人民法院审判委员会第1745次会议、2018年10月19日由最高人民检察院第十三届检察委员会第七次会议通过，自2018年12月1日起施行）</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">根据司法实践情况，现决定对《最高人民法院、最高人民检察院关于办理妨害信用卡管理刑事案件具体应用法律若干问题的解释》（法释〔2009〕19号，以下简称《解释》）作如下修改：</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">一、将《解释》原第六条修改为：“<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">持卡人以非法占有为目的,超过规定限额或者规定期限透支，经发卡银行两次有效催收后超过三个月仍不归还的，应当认定为刑法第一百九十六条规定的‘恶意透支</strong>’。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">“<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">对于是否以非法占有为目的</strong>，应当综合持卡人信用记录、还款能力和意愿、申领和透支信用卡的状况、透支资金的用途、透支后的表现、未按规定还款的原因等情节作出判断。不得单纯依据持卡人未按规定还款的事实认定非法占有目的。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">“<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">具有以下情形之一的，应当认定为刑法第一百九十六条第二款规定的‘以非法占有为目的’，但有证据证明持卡人确实不具有非法占有目的的除外：</strong></span></p><p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" data-mpa-template="t"><blockquote style="margin-top: 1em; margin-right: 0px; margin-bottom: 1em; margin-left: 20px !important; padding-top: 4px; padding-right: 0px; padding-bottom: 0px; padding-left: 8px !important; border-left-width: 4px !important; border-left-style: solid; border-left-color: rgb(216, 216, 216) !important; color: rgba(0, 0, 0, 0.498039); font-size: 15px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.544px; overflow-wrap: break-word !important;"><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; line-height: 1.75em; overflow-wrap: break-word !important;">（一）明知没有还款能力而大量透支，无法归还的；</p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: right; letter-spacing: 0.544px; overflow-wrap: break-word !important;">（二）使用虚假资信证明申领信用卡后透支，无法归还的；</span></p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: right; letter-spacing: 0.544px; overflow-wrap: break-word !important;">（三）透支后通过逃匿、改变联系方式等手段，逃避银行催收的；</span></p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: right; letter-spacing: 0.544px; overflow-wrap: break-word !important;">（四）抽逃、转移资金，隐匿财产，逃避还款的；</span></p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: right; letter-spacing: 0.544px; overflow-wrap: break-word !important;">（五）使用透支的资金进行犯罪活动的；</span></p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: right; letter-spacing: 0.544px; overflow-wrap: break-word !important;">（六）其他非法占有资金，拒不归还的情形。</span></p></blockquote></section></section></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">二、增加一条，作为《解释》第七条：“催收同时符合下列条件的，应当认定为本解释第六条规定的</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(51, 119, 254); overflow-wrap: break-word !important;">‘<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">有效催收’</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">：</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" data-mpa-template="t"><blockquote style="margin-top: 1em; margin-right: 0px; margin-bottom: 1em; margin-left: 20px !important; padding-top: 4px; padding-right: 0px; padding-bottom: 0px; padding-left: 8px !important; border-left-width: 4px !important; border-left-style: solid; border-left-color: rgb(216, 216, 216) !important; color: rgba(0, 0, 0, 0.498039); font-size: 15px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.544px; overflow-wrap: break-word !important;"><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; line-height: 24px; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; overflow-wrap: break-word !important;" mpa-is-content="t">（一）在透支超过规定限额或者规定期限后进行；</p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; line-height: 24px; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; overflow-wrap: break-word !important;" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.544px; text-align: right; overflow-wrap: break-word !important;">（二）催收应当采用能够确认持卡人收悉的方式，但持卡人故意逃避催收除外；</span></p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; line-height: 24px; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; overflow-wrap: break-word !important;" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: right; letter-spacing: 0.544px; overflow-wrap: break-word !important;">（三）两次催收至少间隔三十日；</span></p><p style="margin: 0px; padding: 0px 12px 0px 8px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; line-height: 24px; font-size: 14px; color: rgb(153, 153, 153); overflow: hidden; overflow-wrap: break-word !important;" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: right; letter-spacing: 0.544px; overflow-wrap: break-word !important;">（四）符合催收的有关规定或者约定。</span></p></blockquote></section></section></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" data-mpa-template="t"><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">“对于是否属于有效催收，应当根据发卡银行提供的电话录音、信息送达记录、信函送达回执、电子邮件送达记录、持卡人或者其家属签字以及其他催收原始证据材料作出判断。</span></p><p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">“发卡银行提供的相关证据材料，应当有银行工作人员签名和银行公章。”</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">三、增加一条，作为《解释》第八条：“<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">恶意透支</strong>，数额在五万元以上不满五十万元的，应当认定为刑法第一百九十六条规定的‘数额较大’；数额在五十万元以上不满五百万元的，应当认定为刑法第一百九十六条规定的‘数额巨大’；数额在五百万元以上的，应当认定为刑法第一百九十六条规定的‘数额特别巨大’。”</span></p></section></section></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">四、增加一条，作为《解释》第九条：“</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">恶意透支的数额，是指公安机关刑事立案时尚未归还的实际透支的本金数额</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">，不包括利息、复利、滞纳金、手续费等发卡银行收取的费用。归还或者支付的数额，应当认定为归还实际透支的本金。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">“检察机关在审查起诉、提起公诉时，应当根据发卡银行提供的交易明细、分类账单（透支账单、还款账单）等证据材料，结合犯罪嫌疑人、被告人及其辩护人所提辩解、辩护意见及相关证据材料，审查认定恶意透支的数额；恶意透支的数额难以确定的，应当依据司法会计、审计报告，结合其他证据材料审查认定。人民法院在审判过程中，应当在对上述证据材料查证属实的基础上，对恶意透支的数额作出认定。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">“发卡银行提供的相关证据材料，应当有银行工作人员签名和银行公章。”</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">五、增加一条，作为《解释》第十条：“恶意透支数额较大，在提起公诉前全部归还或者具有其他情节轻微情形的，可以不起诉；在一审判决前全部归还或者具有其他情节轻微情形的，可以免予刑事处罚。但是，</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">曾因信用卡诈骗受过两次以上处罚的除外</strong>。”</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">六、增加一条，作为《解释》第十一条：“发卡银行违规以信用卡透支形式变相发放贷款，持卡人未按规定归还的，不适用刑法第一百九十六条‘恶意透支’的规定。构成其他犯罪的，以其他犯罪论处。”</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">七、将《解释》原第七条改为修改后《解释》第十二条。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">八、将《解释》原第八条改为修改后《解释》第十三条，修改为：“单位实施本解释规定的行为，适用本解释规定的相应自然人犯罪的定罪量刑标准。”</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">根据本决定，对《解释》作相应修改并调整条文顺序后，重新公布。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center; overflow-wrap: break-word !important;"><img title="网仲院|网络|互联网|仲裁|不良资产处置|法律催收|依法清收|北京网仲科技有限公司" alt="网仲院|网络|互联网|仲裁|不良资产处置|法律催收|依法清收|北京网仲科技有限公司" src="../upload/201907/1563157719173762.jpg"/></p><p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><section style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; text-align: center; font-family: 微软雅黑; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 6px; height: 6px; border-radius: 50%; float: left; background-color: rgb(51, 119, 254); overflow-wrap: break-word !important;"></section><section style="margin: 0px 7px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 6px; height: 6px; border-radius: 50%; float: left; opacity: 0.6; background-color: rgb(51, 119, 254); overflow-wrap: break-word !important;"></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 6px; height: 6px; border-radius: 50%; float: left; opacity: 0.2; background-color: rgb(51, 119, 254); overflow-wrap: break-word !important;"></section></section><section style="margin: 5px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 119, 254); overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 16px; overflow-wrap: break-word !important;" mpa-is-content="t">用卡小妙招！</span></strong></span></section></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" data-mpa-template="t"><p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: arial; font-size: 14px; letter-spacing: 0.544px; text-indent: 31.46px; overflow-wrap: break-word !important;">人人皆知，逾期无小事。</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: arial; font-size: 14px; letter-spacing: 0.544px; text-indent: 31.46px; overflow-wrap: break-word !important;">小编就为大家</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: arial; font-size: 14px; letter-spacing: 0.544px; text-indent: 31.46px; overflow-wrap: break-word !important;">总结一些用卡小妙招！</span></p><p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" data-mpa-template="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.2; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="40%"></span><span style="margin: 2px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.6; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="25%"></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 1; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"></span></section><section style="margin: 0px; padding: 0px 0px 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; font-size: 19.2px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(50, 118, 254); border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-is-content="t"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;">NO1.&nbsp;疏忽、大意、短时间逾期</strong></span></strong></span></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">解决办法：补足欠款后积极与银行联系；不是所有逾期，个人征信报告上都会立马显示，有些银行会有几天的容时，有些则是下个月才会上报逾期记录给央行征信中心，所以发现逾期的第一时间联系银行，争取赶在上报前解决问题.</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.2; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="40%"></span><span style="margin: 2px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.6; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="25%"></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 1; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"></span></section><section style="margin: 0px; padding: 0px 0px 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; font-size: 19.2px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(50, 118, 254); border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-is-content="t">NO2. 超过90天的逾期</span></strong></span></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">解决办法：首先还清</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">欠款，并保持良好的信用习惯：如果被上了征信，还需偿还罚息，并且信用卡用户不要立即销卡，继续保持良好的消费习惯，5年后不良记录会自动消除，而且除房贷以外，大部分贷款只参考两年内的信用记录。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.2; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="40%"></span><span style="margin: 2px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.6; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="25%"></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 1; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"></span></section><section style="margin: 0px; padding: 0px 0px 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; font-size: 19.2px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(50, 118, 254); border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-is-content="t">NO3.失业、出国、重大疾病等产生的逾期</span></strong></span></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">希望散居在世界各地的人，无论你是年老还是年轻，无论你是贫穷还是富裕，无论你是患病还是健康，都能享受阅读的乐趣，都能尊重和感谢为人类文明做出过巨大贡献的文学、文化、科学、思想大师们，都能保护知识产权。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.2; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="40%"></span><span style="margin: 2px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.6; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="25%"></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 1; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"></span></section><section style="margin: 0px; padding: 0px 0px 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; font-size: 19.2px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(50, 118, 254); border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-is-content="t">NO4.“被冒名贷款”产生的逾期</span></strong></span></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">解决办法：联系银行说明情况，然后去当地的中国人民银行征信中心提交异议申请，一般15个工作日就能消除这种不良逾期记录。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.2; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="40%"></span><span style="margin: 2px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.6; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="25%"></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 1; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"></span></section><section style="margin: 0px; padding: 0px 0px 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; font-size: 19.2px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(50, 118, 254); border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-is-content="t">NO5.非恶意欠款</span></strong></span></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">正常还款仍然存在逾期，比如像年费、滞纳金、服务费等忘了交，再次申贷或者申请信用卡的时候才发现，已经逾期多次。（真是冤枉啊……）</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">遇到这种情首先要先把逾期还上，然后到银行申诉该欠款非恶意欠款，请银行协调消除不良逾期记录。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.2; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="40%"></span><span style="margin: 2px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.6; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="25%"></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 1; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"></span></section><section style="margin: 0px; padding: 0px 0px 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; font-size: 19.2px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(50, 118, 254); border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-is-content="t">NO6.银行过失</span></strong></span></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">银行工作人员操作失误，例如信用卡年费有调整却未告知持卡人，某个时间节点系统升级无法扣款造成逾期，这些情况造成的逾期也可以消除。</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(88, 88, 88); font-size: 15px; overflow-wrap: break-word !important;">如果是银行过错，直接向银行申诉消除不良记录。</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(88, 88, 88); font-size: 15px; overflow-wrap: break-word !important;">（不然受委屈可是你）</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; display: inline-block; vertical-align: middle; overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.2; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="40%"></span><span style="margin: 2px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 0.6; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" data-bgopacity="25%"></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; width: 0.6em; height: 0.6em; display: block; opacity: 1; color: rgb(255, 255, 255); background-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"></span></section><section style="margin: 0px; padding: 0px 0px 0px 10px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; display: inline-block; vertical-align: middle; font-size: 19.2px; overflow-wrap: break-word !important;" mpa-from-tpl="t"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;" mpa-from-tpl="t" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(50, 118, 254); border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-from-tpl="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; border-color: rgb(50, 118, 254); overflow-wrap: break-word !important;" mpa-is-content="t">NO7.信用卡账单未收到</span></strong></span></section></section></section></section></section><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">正常来说，我们都是根据账单来还款的。可是如果我们没有收到账单，就很有可能会耽误还款造成逾期。（毕竟我们记性不好，是需要账单来提醒的。）</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">如果遇到这种情况呢，只要我们以未收到账单为由申诉，要求消除不良逾期，银行基本上都会受理。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">当你出现信用卡逾期的时候，银行一般会采取以下手段进行催收。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">短信催收、电话催收、上门催收、法院起诉、外包催收。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">如果你只是因为暂时还不上款，不是想恶意逾期拖欠账单金额，则可以通过以下方法避免自己逾期后被银行起诉。</span></strong></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">1.接到银行工作人员电话，你要先要他地工号，然后告诉他，现在谈话全程录音，再继续往下说。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">2.你要告诉他，你办信用卡没有虚构事实，隐瞒真相，是经过银行正规审批办下来地，不存在欺诈行为！</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">3.强调你有良好的还款愿望，并愿意和银行沟通协调作出大家都接受的还款计划。</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">4.强调信用卡逾期是你的独立民事行为人，如果他们催收过程中存在“外围施压”，比如骚扰你的亲戚朋友，你会收集证据向银监会投诉，甚至起诉他！</span></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; font-variant-numeric: normal; letter-spacing: 0.544px; widows: 1; line-height: 1.75em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t">5.每月都还一点点钱，还100也是还！</span></p><p style="margin: 0px 8px; padding: 0px; text-align: center; line-height: 1.75em; letter-spacing: 0.54px; clear: both; min-height: 1em; max-width: 100%; box-sizing: border-box !important; widows: 1; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t"><img alt="网仲院|网络|互联网|仲裁|不良资产处置|法律催收|依法清收|北京网仲科技有限公司" src="../upload/201906/1559705961430208.png"/></span></p><p style="margin: 0px 8px; padding: 0px; text-align: right; line-height: 1.75em; letter-spacing: 0.54px; clear: both; min-height: 1em; max-width: 100%; box-sizing: border-box !important; widows: 1; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(88, 88, 88); overflow-wrap: break-word !important;" mpa-is-content="t"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: right; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); font-size: 12px; color: rgb(136, 136, 136);">本文来源：</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: right; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); font-size: 12px; color: rgb(136, 136, 136);">律脉</span></span></p></section></section></section></section></p><p><br/></p>					</section>
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